Financial Empowerment LLC

Item 5        Fees and Compensation

                                       FINANCIAL PLANNING FEES

Financial Empowerment LLC's Financial Planning fee is determined based on the nature of the services
being provided and the complexity of each client's circumstances. All fees are agreed upon prior to
entering into a contract with any client.

Our Financial Planning fees are calculated and charged on a fixed fee basis, ranging from $3,000 to
$4,500 per hour depending on the complexity and specific arrangement reached with the client. We
may request a retainer of 50% of the fee upon completion of our initial fact-finding session with the
client; however, advance payment will never exceed $1,200 for work that will not be completed within
six months. The balance is due upon completion of the plan.

Financial Planning Fee Offset: Financial Empowerment LLC reserves the discretion to reduce or waive
the fixed fee if a financial planning client chooses to engage us for our Portfolio Management Services.

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                     RETAINER FEE FOR ONGOING FINANCIAL PLANNING AND

                            INVESTMENT SUPERVISORY SERVICES ("ISS")
                          INDIVIDUAL PORTFOLIO MANAGEMENT FEES OR

                              MODEL PORTFOLIO MANAGEMENT FEES

Financial Planning and Individual Portfolio Management are based on a quarterly calculated Retainer
Fee according to the following schedule:
        Financial Planning Flat Fee: $500 to $5,000
Plus Percentage of Assets Under Management:
        0.65% $0 to $1,000,000
        0.55% $1,000,000 to $2,500,000
        0.45% Over $2,500,000
Financial Planning and the Cornerstone Program are based on a quarterly calculated Retainer Fee
according to the following schedule:
        Financial Planning Flat Fee: $500 to $5,000
Plus Percentage of Assets Under Management:
        0.40% Assets Under Management

Our retainer fee calculation is based on a flat fee for financial planning plus a percentage of assets under
management (AUM). AUM is calculated based on the consolidated portfolio market value as of the
month-end prior to the client retainer billing date. This fee is billed every three months following the
contract anniversary date; AUM is calculated quarterly, and billed in advance, pro rata from each
managed account in accordance with the client authorization in the Financial Planning and Investment
Advisory Agreement.

Limited Negotiability of Advisory Fees: Although Financial Empowerment LLC has established the
aforementioned fee schedule(s), we retain the discretion to negotiate alternative fees on a client-by-
client basis. Client facts, circumstances and needs are considered in determining the fee schedule. These
include the complexity of the client, assets to be placed under management, anticipated future
additional assets; related accounts; portfolio style, account composition, reports, among other factors.
The specific annual fee schedule is identified in the contract between the adviser and each client.

We may group certain related client accounts for the purposes of achieving the minimum account size
requirements and determining the annualized fee.

Discounts, not generally available to our advisory clients, may be offered to family members and friends
of associated persons of our firm.

                                       CONSULTING SERVICES FEES

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Financial Empowerment LLC's Consulting Services fee is determined based on the nature of the services
being provided and the complexity of each client's circumstances. All fees are agreed upon prior to
entering into a contract with any client.

Our Consulting Services fees are calculated and charged on an hourly basis, at $450 per hour. An
estimate for the total hours is determined at the start of the advisory relationship. Fees are due and
payable upon completion of the Consulting Service.

                                         GENERAL INFORMATION

Termination of the Advisory Relationship: A client agreement may be canceled at any time, by either
party, for any reason upon receipt of 30 days written notice. As disclosed above, certain fees are paid in
advance of services provided. Upon termination of any account, any prepaid, unearned fees will be
promptly refunded. In calculating a client's reimbursement of fees, we will pro rate the reimbursement
according to the number of days remaining in the billing period.

Mutual Fund Fees: All fees paid to Financial Empowerment LLC for investment advisory services are
separate and distinct from the fees and expenses charged by mutual funds and/or ETFs to their
shareholders. These fees and expenses are described in each fund's prospectus. These fees will generally
include a management fee, other fund expenses, and a possible distribution fee. A client could invest in
a mutual fund directly, without our services. In that case, the client would not receive the services
provided by our firm which are designed, among other things, to assist the client in determining which
mutual fund or funds are most appropriate to each client's financial condition and objectives.
Accordingly, the client should review both the fees charged by the funds and our fees to fully
understand the total amount of fees to be paid by the client and to thereby evaluate the advisory
services being provided.

Additional Fees and Expenses: In addition to our advisory fees, clients are also responsible for the fees
and expenses charged by custodians and imposed by broker dealers, including, but not limited to, any
transaction charges imposed by a broker dealer with which an independent investment manager effects
transactions for the client's account(s). Please refer to the "Brokerage Practices" section (Item 12) of this
Form ADV for additional information.
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Item 7        Types of Clients

Financial Empowerment LLC provides advisory services to the following types of clients:

       Individuals (other than high net worth individuals)
       High net worth individuals